Cookie Policy

This Cookie Policy explains how Novolut may use cookies and similar technologies on the Novolut website.

This Cookie Policy should be read together with the Novolut Privacy Policy, which explains how Novolut collects, uses, stores, shares and protects personal data.

This Cookie Policy applies to the Novolut website, public pages, request forms, product descriptions, use cases, partnership materials, legal notices and related website functionality.

1. What cookies are

Cookies are small text files that may be placed on your device when you visit a website.

Cookies may allow a website to recognize your browser or device, remember certain preferences, support website functionality, improve security, measure website performance or understand how visitors interact with website content.

Similar technologies may include pixels, tags, scripts, local storage, session storage, software development kits, analytics identifiers or other technologies that store or access information on your device.

In this Cookie Policy, references to “cookies” include cookies and similar technologies.

2. How Novolut may use cookies

Novolut may use cookies to support and improve the operation of the website.

Cookies may be used to:

• operate the website;
• support website security;
• remember cookie preferences;
• enable request form functionality;
• understand website performance;
• measure page views and visitor interactions;
• improve website content and navigation;
• detect technical issues;
• prevent misuse, abuse or unauthorized activity;
• support analytics and reporting;
• understand interest in Novolut products, use cases and partnership materials.

Novolut does not use cookies to grant platform access, onboarding approval, service eligibility, infrastructure partner approval or any commercial relationship.

3. Types of cookies we may use

Novolut may use different categories of cookies depending on website configuration, applicable consent requirements and available website functionality.

3.1 Essential cookies

Essential cookies are necessary for the website to function properly.

They may support:

• page loading;
• website navigation;
• security;
• session management;
• request form operation;
• cookie preference management;
• fraud and abuse prevention;
• basic technical functionality.

These cookies are generally required for the website to operate and may not be disabled through the website’s cookie settings.

3.2 Analytics cookies

Analytics cookies help Novolut understand how visitors use the website.

They may collect information such as:

• pages visited;
• time spent on pages;
• referral source;
• browser type;
• device type;
• approximate location;
• interaction with website content;
• form interaction events;
• aggregated website performance data.

Analytics cookies help Novolut understand which content is useful to visitors, including product pages, use cases, partnership materials, security information and legal notices.

Where required, analytics cookies may be used only with your consent.

3.3 Functional cookies

Functional cookies may help the website remember choices or preferences.

They may support:

• language preferences;
• region preferences;
• cookie settings;
• form state;
• display preferences;
• returning visitor preferences.

These cookies may improve the website experience but are not always essential for basic website operation.

3.4 Marketing and measurement cookies

Novolut may use marketing or measurement cookies where enabled and permitted.

These cookies may help Novolut understand interest in institutional content, product pages, use cases, partnership materials or request forms.

They may also help measure the effectiveness of campaigns or communications.

Novolut does not use marketing cookies to make onboarding decisions, compliance decisions, infrastructure access decisions or automated eligibility decisions.

Where required, marketing and measurement cookies may be used only with your consent.

4. Third-party cookies

Some cookies may be placed by third-party service providers that support website functionality, analytics, security, hosting, form processing, communication, measurement or other website-related services.

These third parties may process cookie-related information under their own terms and privacy policies.

Novolut may use third-party providers for purposes such as:

• website hosting;
• analytics;
• website performance monitoring;
• form functionality;
• security and abuse prevention;
• communication tools;
• campaign measurement.

Novolut is not responsible for the privacy practices, security practices or cookie practices of third-party websites or services that are not controlled by Novolut.

5. Cookie consent and preferences

Where required by applicable law, Novolut may ask for your consent before placing non-essential cookies on your device.

You may be able to manage cookie preferences through a cookie banner, cookie settings panel or browser settings.

You may be able to:

• accept all cookies;
• reject non-essential cookies;
• manage cookie categories;
• change your cookie preferences;
• withdraw consent where applicable.

If you disable certain cookies, some website features may not function as intended.

Essential cookies may remain active because they are required for website operation, security or preference management.

6. Browser controls

Most browsers allow you to control cookies through browser settings.

Depending on your browser, you may be able to:

• block cookies;
• delete cookies;
• receive alerts before cookies are placed;
• restrict third-party cookies;
• clear browsing data;
• manage site-specific preferences.

Your browser settings may apply across websites and may affect the functionality of other websites you visit.

Blocking or deleting cookies may affect the availability, functionality or performance of the Novolut website.

7. Cookies and personal data

Some cookie-related information may be personal data where it identifies or can reasonably be linked to an individual.

This may include information such as IP address, device identifiers, cookie identifiers, analytics identifiers, browser data, interaction data or approximate location data.

Where cookie-related information is personal data, Novolut processes it in accordance with the Novolut Privacy Policy.

8. Cookies and request forms

If you submit information through a Novolut request form, cookies may support the operation, security and performance of the form.

Cookies may help Novolut:

• maintain form functionality;
• detect technical errors;
• prevent abuse or automated submissions;
• measure form completion;
• improve the request process;
• understand which website pages led to a request.

Submitting a request form does not create platform access, onboarding approval, service eligibility, infrastructure partner approval or any commercial relationship with Novolut.

Information submitted through request forms is processed in accordance with the Novolut Privacy Policy.

9. Updates to this Cookie Policy

Novolut may update this Cookie Policy from time to time.

The updated version will be posted on this website with a revised “Last updated” date.

Novolut may provide additional notice of material changes where required by applicable law.

10. Contact

Questions about this Cookie Policy may be submitted through the Novolut request form.

Novolut reviews cookie-related and privacy-related inquiries according to the nature of the request, the website functionality involved and the applicable data processing context.

Submitting a request does not create platform access, onboarding approval, service eligibility or any commercial relationship with Novolut.

For privacy-related matters, contact: [email protected]